2 stars because there are few positive points: 1- excellent if you want to accumulate Avios points. 2- Card was delivered within 3 days from opening the account . Bad experience 3- The APP is not great. You cannot access it unless you have a pin machine that takes a week to be delivered so you can keep spending but wont be able to track for a week . 4- any additional carholders cannot have access to the APP so they can't track their spend and they also cannot talk to the customer service when card services dont work. they will only talk to the main cardholder. this is really backwards in my view, they allow you to use the card but you cannot talk to them. So me and my husband need to be together so I am able to answer their questions when trying to resolve an issue. (so inneficient!!!)